Charlie NeSmith

NMLS#543356, Cullman Main Office

900 2nd Avenue SW

Cullman, AL 35055

Call: 256-735-2984

Email Charlie >


Charlie was born in Oneonta and has
lived in Cullman since 2002.

He started his 30-year banking career in Birmingham in 1984 after majoring in finance at Auburn University. Charlie joined Merchants Bank in 2001 and currently serves as President and Senior Lending Officer.


My favorite banking stories.

The most enjoyable part of my job is working with customers who are starting a new business, then continuing to work with them as the business “grows up.”

Why is local lending important?

We can make decisions faster, we can meet directly with the borrowers, and we can be more flexible. At the end of the day, we like to have satisfied customers. Customers love quick, innovative, flexible answers to their lending and deposit needs from decision makers that live in the same town, and know the people.

What matters to you?

We strive every day to give the best local service possible. I am accessible day and night. All of my existing customers have my cell phone (it’s printed on my business card) and now many of them call, text or email me directly. I try to make myself as available as possible and I prefer visiting them as opposed to making them come to me. Open communication is essential.

To you, what is The Merchants Way?

I think our lending team is one of the most experienced staffs in Cullman County. If we receive a loan request that doesn’t exactly fit our guidelines, we will work as hard as possible to find a middle ground that will satisfy and benefit both parties. We then strive to provide better service than they would receive anywhere else.

What do you like most about your job?

I consider the people I work with to be family. I love them and enjoy being around them. With my customers, I listen to their needs and try to match our products with those needs.

What do you do in your spare time?

I play golf and basketball and I try to stay in shape.

How are you active in the community?

I am currently on the Cullman Rotary Club Executive Board, the Cullman County FCA Advisory Board, and a member of Grace Chapel. I am a past Chair for Cullman Area Chamber of Commerce and the Rotary Club. I have also previously coached youth softball, baseball, soccer and basketball.


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